15条措施！山东全面支持住房“以旧换新”

Core Viewpoint - The Shandong Provincial Department of Housing and Urban-Rural Development has issued guidelines to promote the "old for new" housing exchange model to stabilize the real estate market and stimulate housing consumption potential [1][2]. Group 1: Policy Framework - The guidelines consist of six parts and 15 specific measures aimed at supporting the "old for new" housing exchange [1]. - Three exchange models are proposed: "sell old for new," "collect old for new," and "demolish old for new," with support for real estate agencies to provide "help sell" services and introduce a "bottom-line purchase" mechanism [1]. Group 2: Resource Activation - The guidelines encourage the "micro-renovation + functional upgrade" of old houses to enhance their market competitiveness [2]. - Support is provided for the acquisition of old houses to be transformed into rental housing, exploring operational models like "storage + management" [1][2]. Group 3: Cost Reduction Measures - Local governments are encouraged to provide purchase subsidies for residents participating in the "old for new" program [2]. - Real estate developers and intermediaries are guided to offer discounts within legal frameworks [2]. Group 4: Financial Support - Financial institutions are encouraged to innovate specialized financial products, promoting group purchase loans for housing rentals and operational property loans [2]. - The guidelines suggest optimizing housing provident fund policies, allowing for "mortgage transfer" for second-hand houses, and reducing the number of times "old for new" buyers can use the provident fund loan [2]. Group 5: Transaction Process Optimization - The guidelines aim to improve the old house evaluation mechanism and promote diversified assessment methods [2]. - A "one-stop" service is proposed to streamline the registration and online signing process, allowing buyers to secure new homes before completing the transfer of old homes [2]. Group 6: Risk Control Mechanism - Emphasis is placed on implementing closed supervision of transaction funds in the "old for new" program to ensure fund safety and designated use [2].